– Why basic pensions are not protected against insolvency – The Rürup pension is a typical tax-saving model. The seller’s trick is often to highlight the tax advantages at the beginning of the contract or in the savings phase, but to completely ignore the later risks of loss and tax burdens in the payout […]
Artikel zum Thema: Minimum subsistence level
Optimising the statutory survivor’s pension
Survivors rub their eyes when the survivors’ pension of the German Pension Insurance (DRV) is reduced to zero after three months. This regulation – which was last tightened in 2002 – affects marriages entered into after 2002 or those where both spouses were born after 1962. Then 40% of the additional net income is offset, […]
poverty in old age
“The pension is safe!” announced Norbert Blüm. Today, people ask, “How much pension is safe?” How political decisions lead to impoverishment. Old-age poverty is an increasingly frequent topic in the media. What is special about this phenomenon is that it is homemade. According to the impression even put up with. After all, it has […]
BGH ruling calls into question insolvency security of supplementary pension scheme
The state allows up to 20,000 euros per person and assessment year to be partially deducted as special expenses for tax purposes in the case of private old-age provision through basic pension contracts. The prerequisite for this is, for example, that an exclusion of realisation is contractually agreed. This is intended to guarantee the insolvency […]
Dr. Fiala: Garnishment protection – the pitfalls in pension schemes, in Liechtenstein and Switzerland
Tax consultants, doctors, dentists, architects, journalists and other freelancers have no other choice. You have to pay into professional pension funds or pension chambers for your pension. But how safe is the money you have saved up when creditors or insolvency administrators want to enforce their claims? The financial news service GoMoPa.net asked […]
How insurers’ lies harm small and medium-sized businesses by the millions
New ruling by the Federal Court of Justice (BGH): Attachment of Rürup pension possible at any time Insolvency security of the basic or Rürup pension? The state allows up to 20,000 euros per person and assessment year to be partially deducted as special expenses for tax purposes in the case of private old-age provision through […]
Saving over time
From 2012 onwards, Riester savers will be obliged to contribute a minimum amount of 5 euros per month if they wish to continue receiving allowances and tax benefits in 2012. The following are thus abolished for spouses who are not gainfully employed and who are indirectly entitled to the allowance non-contributory contracts where only […]
Riester, Rürup, company pension schemes
What changes in 2012 Riester savers From 2012 onwards, Riester savers will be obliged to contribute a minimum amount of 5 euros per month if they wish to continue receiving allowances and tax benefits in 2012. This means that those non-contributory contracts for which only state allowances are paid in – but no personal […]
Rürup is attachable!
Insurer associations, insurers and the insurance selling praise in advertising brochures for many years the Rürup pension as seizing-protected age precaution. Now this proves as bare marketing lie for the Kundenakquise – that is the opinion of Dr. Johannes Fiala and Dipl.- Math. Peter A. Schramm. The Rürup pension (the so-called seizure-protected old-age provision […]
Rürup capital as a pension factor – new view “Only the welfare level is protected from creditors”.
A new letter of the Federal Minister of Finance clarifies that saved Rürup capital cannot be withdrawn from the access of creditors. This results in a fundamentally new discussion situation with the insurance providers. Red. The fact that not only saved assets in a Rürup pension can be seized, but also the non-state-subsidised part of […]